Budget Nerds3 Des 2025

#130 - Gen Z Money Trends: How TikTok and Instagram Are Shaping Personal Finance

In today's episode resident social media gurus Amber and Sarah, of Instagram and TikTok fame respectively, join the show to talk about the personal finance trends that are going viral among the Gen Z population right now. The economy is difficult to thrive in, especially for young people, and the Zoomers have come up with creative ways to use their native digital environment to execute the common goals of all people trying to improve their finances: pay off debt and get out of the paycheck to paycheck cycle.

In this episode Sarah and Amber share six TikTok and Instagram videos as examples of popular trends, including:

"No Spend" November
"No Swipe" November
Making micro debt payments to stay engaged with the goal of paying off debt
Gamifying likes and social media engagement to pay off debt

Ernie shares his enthusiam for personal finance challenges and trends that bring a social element to finance, while Ben ponders whether using social media to help pay off debt is creative or dystopian. One thing is for sure -- young adults are finding creative ways to improve their relationship with money and bond with others working toward the same goal.

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